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The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.
The materials and quality of construction can influence how resistant a home is to certain types of damage.
Some insurers use an insurance score, which is similar to a credit score but specifically geared towards predicting insurance losses.
Why it’s crucial for Mobile Homeowners, Manufactured Housing Populations, and RV Owners:
Why it’s crucial for Mobile Homeowners, Manufactured Housing Populations, and RV Owners:
Why it’s crucial for Mobile Homeowners, Manufactured Housing Populations, and RV Owners:
near the village of Dragoon in Cochise County, Arizona, about 65 miles east of Tucson in Texas Canyon.
the historic site in the Coronado National Forest, provides a fascinating day-trip from Benson. This is the rocky fortress where the great chief and his followers held out against the U.S. Cavalry and the drive provides some fine scenery in addition to the historical experience.
has provided a loving home for donkeys since 1998. Many of these intelligent & beautiful animals have health issues because of neglect in their past. Some of these donkeys are in a safe environment, for the first time in their lives.
Located on Hwy 90 in the Whetstone Mountains, these unique caverns are the most pristine in the United States. The park just opened the Big Room to the public making the park that much more exciting. These caverns are living, growing, wet caves, and the moisture levels are closely monitored to make sure that they are not destroyed. There are camping facilities, hiking trails, bird sanctuary, Visitor’s center, interpretive displays and a gift shop.
This historic movie set is now open to the public on a limited basis, see website for dates and times. Western enthusiasts can visit and take a tour with a knowledgeable historian. The set will also be available for special events. First and foremost, Mescal is still a working film set available for movies, television, documentaries, commercials, music videos, and more.
Historical Museum with changing displays and exhibits highlighting local cultures. Once a grocery store, the building is on the National Register for Historical Buildings. 180 S. San Pedro St. Benson, AZ 85602
extends from St. David, Arizona to Naco, Mexico. On the 40 miles of the upper San Pedro River the conservation area has over 50,000 acres with quantities of wildlife and vegetation, including over 350 species of birds. Over 250 recorded prehistoric and historic sites, the area offers bird watching, wildlife viewing, photography, hiking, camping, seasonal hunting, horseback riding, nature studies and environmental education.
If your mobile home has certain mitigation measures like storm shutters, anchored foundation systems, or reinforced roofing, some insurers might offer discounts. Ensure you communicate these features when getting a quote.
Depending on your specific circumstances, you may want to consider additional coverage options such as flood insurance, windstorm insurance, or coverage for detached structures or outbuildings. Assess your risks and determine if these additional coverages are necessary.
Review the deductibles and premiums associated with each insurance policy. The deductible is the amount you would have to pay out-of-pocket before the insurance coverage kicks in. Ensure that the premiums are affordable and the deductibles are reasonable for your budget.
Finally, collect quotes from different insurance providers based on the coverage options, deductibles, and premiums discussed. Review and compare the quotes to determine which policy offers the best value for your mobile, manufactured, or pre-fab home insurance needs!
Some policies offer inflation protection, which automatically adjusts your coverage limits each year to account for inflation. This ensures that you always have adequate coverage as the value of your home and belongings increases over time.
Understand the terms under which you or the insurer can cancel the policy. Some insurers might offer a pro-rated refund if you cancel before the end of the term, while others might have cancellation fees.
To apply for a mobile home title, you need to contact MVD and upload the necessary documents in your AZ MVD Now account.
When completing an affidavit of affixture, you will surrender the title(s) of the mobile home to MVD.
MVD will then issue a receipt for the surrender of the title(s).
If you are buying a used mobile home from a company, business, or mobile home park, make sure to receive a business card or other proof that the person who signed the back of the title as the seller is affiliated with that entity.
The Manufactured Housing Division (MHD) of Arizona’s Department of Housing maintains safety standards for these homes that are consistent with the standards put out by the US Department of Housing and Urban Development (HUD). In addition to regulation from HUD and MHD, every mobile home park has its own set of rules. Most require that you obtain a valid mobile home insurance policy, so check with park management for details.
It is crucial to review your policy and consult with your insurance company to identify what is covered, as well as what is not, before deciding which add-ons, endorsements, or riders to add to your policy.
Exclusions eliminate coverage for certain risks that are considered unwanted or already covered by other policies. Some examples of exclusions include:
Earthquakes are a significant exclusion in mobile home policies in Arizona due to the area’s higher susceptibility to earthquakes. It is important for mobile homeowners to understand the coverage limitations in case of earthquake damage.
Arizona has passed a law that forbids cities and counties from enacting or enforcing breed-based dog regulations. This new law aligns with the trend of 20 other states having “BSL-preemption” laws that restrict Breed-Specific Legislation (BSL) at the local level.
Address: 260 South Land Ave, Benson, AZ 85602
Description: Stagecoach Trails MHC is an age-restricted (55+) community located in Benson, Arizona. It features wide paved streets, off-street parking, and homes with peaked roofs and lap siding. There are age restrictions in place, with at least one person in the household being 55 years or older, and no persons under 21 are allowed. Pet policies can be found in the park rules.
Address: 1110 South Highway 80, Benson, AZ 85602
Description: San Pedro Resort
Community is an age-restricted (55+) community located in Benson, Arizona. It offers a clubhouse, swimming pool, and recreational facilities. The community features paved streets and homes with peaked roofs and lap siding. It is a senior community with age restrictions in place.
Address: 895 East Mcneil Road, Benson, AZ 85602
Description: Cottonwood Ridge MHC, LLC is an age-restricted (55+) community located in Benson, Arizona. It offers vacant sites, and the community features gravel streets, off-street parking, and homes with peaked roofs and lap siding. Age restrictions require at least one person to be over 55, with no persons under 21 allowed. Pet policies can be found in the park rules.
Finding the Best Mobile Home Insurance In Benson
Additional Living Expenses
Trees, shrubs, plants and lawns
Debris Removal
Emergency Removal Service and Emergency Repair after a loss
Credit Card and Check Forgery
Fire Department Service
Food Spoilage coverage
Personal Injury Protection coverage
Locksmith coverage
Golf Cart coverage
References:
CoverTree operates in CA as MHTree Insurance Services
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CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.
Products and discounts not available to all persons in all states. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products. Policy obligations are the sole responsibility of the issuing insurance carrier.
Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.
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